IFSC Code of Bank of India, Chotki Kharagdiha Branch, Jharkhand

Below are the complete branch details for Bank of India, CHOTKI KHARAGDIHA branch, located in CHOTKI KHARAGDIHA DISTGIRIDIH, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is BKID0004886. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BKID0004886 for Bank of India – CHOTKI KHARAGDIHA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Bank of India – CHOTKI KHARAGDIHA is BKID0004886. The first four letters BKID are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004886 map to this branch in CHOTKI KHARAGDIHA DISTGIRIDIH, JHARKHAND.

Bank profile

Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Chotki Kharagdiha branch — IFSC BKID0004886 — extends the bank's services to customers in and around Chotki Kharagdiha Distgiridih, Jharkhand.

Chotki Kharagdiha branch overview

Located at P O CHOTKI KHARAGDIHAVIA BENGABAD, the Chotki Kharagdiha branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BKID0004886 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Bank of India's CHOTKI KHARAGDIHA branch came to be assigned the code BKID0004886.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC BKID0004886, money simply cannot be routed to the CHOTKI KHARAGDIHA branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BKID0004886 and the account number together uniquely identify the Chotki Kharagdiha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BKID0004886

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC BKID0004886 across all three.

How to use IFSC BKID0004886 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of India's CHOTKI KHARAGDIHA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BKID0004886.
4. Confirm the bank name auto-populates as Bank of India and the branch as CHOTKI KHARAGDIHA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to CHOTKI KHARAGDIHA

If you need to transfer ₹2 lakh or more in one go to an account at Bank of India's CHOTKI KHARAGDIHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BKID0004886 while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of India CHOTKI KHARAGDIHA (IFSC BKID0004886)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BKID0004886 in your mobile or internet banking app, and the money is credited to the CHOTKI KHARAGDIHA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC BKID0004886 for Bank of India – CHOTKI KHARAGDIHA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Chotki Kharagdiha branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC BKID0004886

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Bank of India – CHOTKI KHARAGDIHA is still mapped to IFSC BKID0004886. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC BKID0004886 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chotki Kharagdiha branch is mapped to IFSC BKID0004886 on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of India, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains BKID0004886.

Products and services

Customers walking into the Chotki Kharagdiha branch can access most of Bank of India's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC BKID0004886

Digital banking channels

Most day-to-day work that customers used to do at the Chotki Kharagdiha branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC BKID0004886 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

How to reach the Chotki Kharagdiha branch

The branch is located at P O CHOTKI KHARAGDIHAVIA BENGABAD, which puts it inside Chotki Kharagdiha Distgiridih, the broader Chotki Kharagdiha Distgiridih district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of India Chotki Kharagdiha branch” — the verified location pin for IFSC BKID0004886 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9430785687 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC BKID0004886 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Bank of India – CHOTKI KHARAGDIHA:

• The IFSC is exactly BKID0004886 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Bank of India as the bank name and CHOTKI KHARAGDIHA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Chotki Kharagdiha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BKID0004886, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BKID0004886 for Bank of India – CHOTKI KHARAGDIHA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: BKID0004886 is the IFSC code of Bank of India, CHOTKI KHARAGDIHA branch, in CHOTKI KHARAGDIHA DISTGIRIDIH, JHARKHAND. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.